The average cost of minimum-coverage car insurance in Maine is $489 per year, or $41 per month.

Car insurance rates can differ drastically, however, based on a driver's location and coverage. We analyzed auto insurance quotes across Maine's largest cities and found rates can differ by thousands of dollars per year depending on the insurer and policy type. Full coverage policies, for example, typically cost $779 more than minimum coverage policies.

Enter your ZIP code above for a list of the best insurers near you. For more on affordable car insurance in Maine, read below.

Cheapest full-coverage auto insurance in Maine with a prior accident

Drivers in Maine with an accident history may be able to find the cheapest full-coverage car insurance quotes at State Farm, Concord Group and GEICO.

These three insurers offer average annual rates of $1,335 per year, or $824 less than the Maine average, for full coverage policies with a prior accident history.

Rank

Insurer

Quote before accident

Quote after accident

Difference

1

State Farm

$1,034

$1,242

$208

2

Concord Group

$1,029

$1,372

$343

3

GEICO

$696

$1,391

$695

4

Allstate

$2,107

$3,061

$954

5

Metropolitan

$1,581

$3,395

$1,814

6

Progressive

$1,751

$3,698

$1,947

NA

USAA

$681

$955

$274

Just one accident on your driving record can increase your auto insurance quotes significantly.

The difference in annual car insurance rates in Maine for a full-coverage policy with no accident history versus a policy with one accident was $891.

Annual rate

No accident history

$1,268

One accident

$2,159

Best auto insurance companies in Maine

The best auto insurers in Maine, according to the complaint index, a customer satisfaction metric, are: Amica, Vermont and MMG.

Among insurers included in our rates analysis, Metropolitan, GEICO and Progressive scored the best.

Customers filed the fewest complaints against these insurers, according to data from Maine's Department of Insurance.

Rank

Auto insurance company

Complaint index

1

Amica

0.0

2

Vermont

0.0

3

MMG

0.3

4

Auto-Owners

0.5

5

Travelers

0.5

6

Metropolitan

0.7

7

Quincy Mutual

0.7

8

GEICO

0.8

9

Progressive

0.8

10

Allstate

0.9

11

Liberty Mutual

1.0

12

USAA

1.0

13

Auto Club

1.3

14

State Farm

1.3

15

Main Street

1.4

16

Frankenmuth

1.7

17

Horace Mann

1.8

18

Hanover

1.8

19

National General

1.9

20

Hartford

3.3

This table includes data for all insurers identified in reports from Maine's Department of Insurance, including several companies not in our rates analysis. Our study focused on Maine's largest insurers by market share, where quotes were available.

The complaint index compares each company's complaints per dollar of premium against the overall Maine auto insurance industry.

An index value of one indicates that a company's complaints are in line with the industry, while a value higher than one means the company is worse than average (the company has a higher ratio of complaints to business versus the market).

On the other hand, an index below one means a company is performing better than the average.

Maine car insurance requirements

The state of Maine requires car insurance for all drivers. If you're caught driving without proper auto insurance coverage you will face fines and license suspension.

While an auto insurance policy may meet Maine's minimum-coverage requirements, some drivers may benefit from purchasing more coverage. Maine drivers should consider higher coverage limits, as minimum-coverage policies may not be enough to fully cover the cost of damage in an expensive accident.

Cheapest car insurance in Maine by city

The lowest cost insurers in Maine vary slightly depending on where you live, though the three cheapest insurers were usually GEICO, Concord Group and State Farm.

Current or former service members, veterans and their families, however, may find even cheaper quotes with USAA, which only offers policies to these customers.

Below is a list of the cheapest auto insurance companies in Maine's largest cities and their annual rates for a full coverage policy.

City

Insurer

Auto insurance quote

Auburn

GEICO

$656

State Farm

$1,045

Concord Group

$1,135

Augusta

GEICO

$707

Concord Group

$1,073

State Farm

$1,097

Bangor

GEICO

$708

State Farm

$980

Concord Group

$1,017

Bath

GEICO

$626

State Farm

$967

Concord Group

$1,092

Belfast

GEICO

$676

State Farm

$1,010

Concord Group

$1,077

Berwick

GEICO

$648

State Farm

$1,029

Concord Group

$1,084

Biddeford

GEICO

$612

State Farm

$973

Concord Group

$1,068

Brewer

GEICO

$708

State Farm

$985

Concord Group

$1,021

Brunswick

GEICO

$626

State Farm

$1,004

Concord Group

$1,041

Buxton

GEICO

$711

State Farm

$1,036

Concord Group

$1,063

Cape Elizabeth

GEICO

$636

State Farm

$1,013

Concord Group

$1,051

Caribou

GEICO

$653

Concord Group

$978

State Farm

$1,000

Eliot

GEICO

$648

State Farm

$1,024

Concord Group

$1,046

Ellsworth

GEICO

$711

State Farm

$999

Concord Group

$1,024

Fairfield

GEICO

$755

State Farm

$970

Concord Group

$1,019

Falmouth

GEICO

$636

State Farm

$1,054

Concord Group

$1,124

Farmington

GEICO

$699

Concord Group

$1,055

State Farm

$1,069

Freeport

GEICO

$626

Concord Group

$1,019

State Farm

$1,027

Gorham

GEICO

$622

Concord Group

$1,063

State Farm

$1,113

Gray

GEICO

$622

Concord Group

$1,058

State Farm

$1,077

Hampden

GEICO

$708

State Farm

$975

Concord Group

$1,010

Houlton

GEICO

$653

Concord Group

$943

State Farm

$1,028

Kennebunk

GEICO

$711

Concord Group

$1,028

State Farm

$1,064

Kittery

GEICO

$648

State Farm

$1,024

Concord Group

$1,070

Lebanon

GEICO

$648

Concord Group

$1,045

State Farm

$1,054

Lewiston

GEICO

$656

State Farm

$1,041

Concord Group

$1,164

Lisbon

GEICO

$759

State Farm

$1,100

Concord Group

$1,109

New Gloucester

GEICO

$711

State Farm

$1,047

Concord Group

$1,076

Oakland

GEICO

$759

Concord Group

$1,038

State Farm

$1,082

Old Orchard Beach

GEICO

$612

State Farm

$946

Concord Group

$1,091

Old Town

GEICO

$676

Concord Group

$961

State Farm

$974

Orono

GEICO

$676

State Farm

$960

Concord Group

$1,182

Portland

GEICO

$686

Concord Group

$1,118

State Farm

$1,156

Presque Isle

GEICO

$653

State Farm

$977

Concord Group

$1,002

Rockland

GEICO

$676

State Farm

$981

Concord Group

$1,018

Rumford

GEICO

$759

State Farm

$1,021

Concord Group

$1,087

Saco

GEICO

$612

State Farm

$972

Concord Group

$1,105

Sanford

GEICO

$648

Concord Group

$1,036

State Farm

$1,048

Scarborough

GEICO

$636

Concord Group

$1,040

State Farm

$1,079

Skowhegan

GEICO

$699

Concord Group

$1,031

State Farm

$1,069

South Berwick

GEICO

$648

State Farm

$1,024

Concord Group

$1,089

South Portland

GEICO

$636

State Farm

$1,013

Concord Group

$1,066

Standish

GEICO

$622

State Farm

$1,050

Concord Group

$1,081

Topsham

GEICO

$626

State Farm

$995

Concord Group

$1,078

Turner

GEICO

$759

Concord Group

$1,074

State Farm

$1,138

Waterboro

GEICO

$711

State Farm

$1,045

Concord Group

$1,107

Waterville

GEICO

$759

State Farm

$1,067

Concord Group

$1,096

Wells

GEICO

$648

State Farm

$1,011

Concord Group

$1,067

Westbrook

GEICO

$636

State Farm

$1,044

Concord Group

$1,071

Winthrop

GEICO

$759

Concord Group

$1,051

State Farm

$1,082

Drivers seeking to pay less on car insurance should compare quotes from multiple insurers. To help you find the best rates in Maine, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Portland, Maine

Average annual auto insurance quote in Portland = $1,284

1% more expensive than Maine average

The cost of a year of auto insurance coverage for Portland locals was in line with the Maine average. To find the cheapest auto insurance quotes near you in Portland, we recommend looking into GEICO, State Farm or Concord Group. These insurers quoted, on average, $945 a year, or 26% less than the mean Portland rate.

Cheap car insurance in Lewiston, Maine

Average annual auto insurance quote in Lewiston = $1,286

1% more costly than Maine average

Car insurance costs in Lewiston were similar to the Maine average, though drivers can always benefit from comparing quotes. The most expensive carrier in our study, Allstate ($2,145), cost $1,489 than the cheapest, GEICO ($656).

Cheap car insurance in Bangor, Maine

Average annual auto insurance quote in Bangor = $1,270

Comparable to Maine average

We found that the cost of insuring our benchmark driver in Bangor was equivalent to the state average. For motorists looking for the lowest auto insurance rates in Bangor, we recommend GEICO, State Farm and Concord Group. On average, full coverage insurance coverage cost $902 a year with these companies, or 29% less than the Bangor mean.

Cheap car insurance in South Portland, Maine

Average annual auto insurance quote in South Portland = $1,202

5% cheaper than Maine average

Nevertheless, insuring with the cheapest car insurance provider in South Portland, GEICO, could mean as much as $566 in savings each year. Indeed, the most expensive insurers in South Portland cost 3.2 times the amount of the cheapest.

Cheap car insurance in Auburn, Maine

Average annual auto insurance quote in Auburn = $1,284

1% more expensive than Maine average

We recommend Auburn drivers looking for affordable car insurance rates to get quotes from GEICO, Concord Group and State Farm. These insurers were more than $300 cheaper than the average car insurance quote in Auburn.

Average cost of car insurance in Maine

The average cost of full-coverage car insurance in Maine is $1,268 per year, or $106 per month.

The cheapest cities in Maine for full coverage are:

Houlton

Caribou

Presque Isle

The most expensive Maine cities are:

Waterville

Winthrop

Ellsworth

Where you live is a major factor in determining auto insurance quotes. Below is a list of Maine cities by their average cost of car insurance, from cheapest to most expensive.

Rank

City

Car insurance quote

1

Houlton

$1,181

2

Caribou

$1,182

3

Presque Isle

$1,183

4

Cape Elizabeth

$1,200

5

South Portland

$1,202

6

Biddeford

$1,203

7

Old Orchard Beach

$1,207

8

Westbrook

$1,207

9

Saco

$1,208

10

Kennebunk

$1,213

11

Brunswick

$1,214

12

Falmouth

$1,217

13

Scarborough

$1,217

14

Freeport

$1,218

15

Wells

$1,219

16

Topsham

$1,222

17

Sanford

$1,225

18

Bath

$1,231

19

Gray

$1,233

20

Gorham

$1,236

21

Standish

$1,238

22

Eliot

$1,244

23

Kittery

$1,247

24

Rockland

$1,251

25

Buxton

$1,252

26

Belfast

$1,253

27

Hampden

$1,257

28

Berwick

$1,259

29

Brewer

$1,259

30

Lebanon

$1,259

31

South Berwick

$1,259

32

Portland

$1,261

33

Waterboro

$1,262

34

New Gloucester

$1,267

35

Bangor

$1,270

36

Old Town

$1,270

37

Farmington

$1,275

38

Auburn

$1,284

39

Skowhegan

$1,284

40

Orono

$1,285

41

Lewiston

$1,286

42

Lisbon

$1,290

43

Oakland

$1,295

44

Fairfield

$1,299

45

Augusta

$1,303

46

Turner

$1,305

47

Rumford

$1,308

48

Ellsworth

$1,309

49

Winthrop

$1,309

50

Waterville

$1,314

Methodology

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum Maine state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.